Brand New Modern Single Family Home in Guthrie
Guthrie, OK 73044
3bd • 2ba • Built: 2026
| Projected Income | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Projected Rent | $20,280 | $20,888 | $21,515 | $22,161 | $22,825 | $23,510 | $24,215 | $24,942 | $25,690 | $26,461 |
| Vacancy Losses | ($1,622) | ($1,671) | ($1,721) | ($1,773) | ($1,826) | ($1,881) | ($1,937) | ($1,995) | ($2,055) | ($2,117) |
| Operating Income | $18,658 | $19,217 | $19,794 | $20,388 | $20,999 | $21,629 | $22,278 | $22,946 | $23,635 | $24,344 |
| Estimated Expenses | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Property Taxes | ($2,694) | ($2,775) | ($2,858) | ($2,944) | ($3,032) | ($3,123) | ($3,217) | ($3,313) | ($3,413) | ($3,515) |
| Insurance | ($1,102) | ($1,135) | ($1,169) | ($1,204) | ($1,240) | ($1,278) | ($1,316) | ($1,355) | ($1,396) | ($1,438) |
| Management Fees | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Leasing/Advertising Fees | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Association Fees | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Maintenance | ($406) | ($418) | ($430) | ($443) | ($457) | ($470) | ($484) | ($499) | ($514) | ($529) |
| Other | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Operating Expenses | ($4,202) | ($4,328) | ($4,457) | ($4,591) | ($4,729) | ($4,871) | ($5,017) | ($5,167) | ($5,322) | ($5,482) |
| Income Analysis | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Net Operating Income | $14,456 | $14,890 | $15,336 | $15,797 | $16,270 | $16,759 | $17,261 | $17,779 | $18,312 | $18,862 |
| - Mortgage Payments | ($11,917) | ($11,917) | ($11,917) | ($11,917) | ($11,917) | ($11,917) | ($11,917) | ($11,917) | ($11,917) | ($11,917) |
| = Cash Flow | $2,539 | $2,972 | $3,419 | $3,879 | $4,353 | $4,841 | $5,344 | $5,862 | $6,395 | $6,945 |
| + Principal Reduction | $1,822 | $1,942 | $2,069 | $2,205 | $2,350 | $2,504 | $2,668 | $2,843 | $3,030 | $3,229 |
| + Appreciation | $14,694 | $15,576 | $16,510 | $17,501 | $18,551 | $19,664 | $20,844 | $22,094 | $23,420 | $24,825 |
| = Gross Equity Income | $19,055 | $20,490 | $21,998 | $23,585 | $25,253 | $27,009 | $28,856 | $30,799 | $32,845 | $34,999 |
| Capitalization Rate | 5.6% | 5.4% | 5.3% | 5.1% | 5.0% | 4.8% | 4.7% | 4.6% | 4.4% | 4.3% |
| Cash on Cash Return | 2.6% | 3.1% | 3.6% | 4.0% | 4.5% | 5.0% | 5.6% | 6.1% | 6.6% | 7.2% |
| Return on Equity | 18.6% | 17.1% | 15.9% | 14.9% | 14.1% | 13.4% | 12.8% | 12.3% | 11.9% | 11.5% |
| Loan Analysis | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Market Value | $259,594 | $275,170 | $291,680 | $309,181 | $327,731 | $347,395 | $368,239 | $390,333 | $413,753 | $438,579 |
| - Loan Balance | ($157,363) | ($155,422) | ($153,353) | ($151,148) | ($148,798) | ($146,295) | ($143,627) | ($140,783) | ($137,753) | ($134,525) |
| = Equity | $102,231 | $119,748 | $138,327 | $158,033 | $178,933 | $201,101 | $224,612 | $249,550 | $276,000 | $304,054 |
| Loan-to-Value Ratio | 60.6% | 56.5% | 52.6% | 48.9% | 45.4% | 42.1% | 39.0% | 36.1% | 33.3% | 30.7% |
| Potential Cash-Out Refi | $37,332 | $50,956 | $65,407 | $80,738 | $97,000 | $114,252 | $132,553 | $151,967 | $172,562 | $194,409 |
| Sale Analysis | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|
| Equity | $102,231 | $119,748 | $138,327 | $158,033 | $178,933 | $201,101 | $224,612 | $249,550 | $276,000 | $304,054 |
| - Closing Costs | ($18,172) | ($19,262) | ($20,418) | ($21,643) | ($22,941) | ($24,318) | ($25,777) | ($27,323) | ($28,963) | ($30,701) |
| = Proceeds After Sale | $84,059 | $100,486 | $117,910 | $136,390 | $155,992 | $176,783 | $198,836 | $222,227 | $247,037 | $273,353 |
| + Cumulative Cash Flow | $2,539 | $5,511 | $8,930 | $12,809 | $17,163 | $22,004 | $27,348 | $33,209 | $39,605 | $46,549 |
| - Approximate Cash Invested | ($96,246) | ($96,246) | ($96,246) | ($96,246) | ($96,246) | ($96,246) | ($96,246) | ($96,246) | ($96,246) | ($96,246) |
| = Net Profit | ($9,648) | $9,752 | $30,594 | $52,954 | $76,909 | $102,541 | $129,938 | $159,191 | $190,396 | $223,657 |
| Internal Rate of Return | -10.0% | 5.0% | 9.9% | 12.0% | 13.0% | 13.6% | 13.8% | 13.9% | 13.9% | 13.9% |
| Return on Investment | -10.0% | 10.1% | 31.8% | 55.0% | 79.9% | 106.5% | 135.0% | 165.4% | 197.8% | 232.4% |
*Information is not guaranteed and investors should do their own research, get professional advice and conduct due diligence prior to investing.